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Can You Finance a Car with No Credit?

Signing Finance Documents for Car

If your credit score is not quite where you want it to be, or you’re a first-time car buyer with no credit, you may be wondering if it is possible for you to finance a vehicle in The Shoals. The answer is yes! Financing a car with no credit can have its challenges, but we work hard to find a financing solution for every Northern Alabama driver. Greenway Hyundai of the Shoals explains both financing a car with no credit and financing a car with bad credit to help you drive home to Florence in a reliable and affordable vehicle

Financing a Car with No Credit or Bad Credit

When you’re financing a car with no credit, or you are looking for bad credit car finance options, remember that a higher down payment may be required and you will likely have a higher interest rate. Keep this in mind when planning your budget. The tips below can also help you throughout the car shopping process. 

Don’t Assume You Won’t Be Approved 

You may have more financing options available to you than you initially thought. Ask questions and see if there are other options that would be more advantageous to you. 

Improve Your Credit Score if Possible 

If it is possible to do so, work to boost your credit score before purchasing or leasing your next vehicle. Create a payment plan to take care of your outstanding debts, or use a credit card on small purchases and immediately pay off the balance. 

Be Careful When Applying for Loans

When applying for financing, your credit score can take a hit. It’s a good idea to ask the finance expert you’re working with whether your application is a “soft” or a “hard” pull — basically, whether it will impact your credit or it won’t. Limit the damage to your credit by completing all loan applications within a 14-day period.

You Don’t Need to Accept Just Any Offer

Just because your credit score is less than ideal does not mean that you are required to take the first offer presented to you. That’s one of the big advantages of financing with a dealership: we go through multiple lenders and let you choose from the option that best for you. If you want to finance through a bank or credit union, you might be going all over town for different offers.

Be Prepared for Higher Costs 

If you have a bad credit score or you have not established credit yet, you can expect higher interest rates and a higher down payment. This isn’t always the case, but it’s good to be prepared. You should leave a little wiggle room in your budget to account for this. 

Secure an Affordable Auto Loan with Greenway Hyundai of the Shoals

Financing a car with no credit or financing a car with bad credit is possible with Greenway Hyundai of the Shoals. If you have any questions about your options, do not hesitate to contact us for more information. 

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Greenway Hyundai of the Shoals 34.812737, -87.642472.